Can I retire at age 35 with 521,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $521,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$43,024$42,640$42,267$41,902$41,545$40,410
2 years$21,299$20,902$20,518$20,145$19,783$18,648
3 years$14,058$13,660$13,276$12,907$12,551$11,451
4 years$10,439$10,041$9,662$9,299$8,952$7,895
5 years$8,267$7,873$7,498$7,142$6,805$5,795
6 years$6,820$6,429$6,059$5,712$5,385$4,422
7 years$5,787$5,399$5,035$4,696$4,379$3,465
8 years$5,013$4,628$4,270$3,939$3,633$2,766
9 years$4,411$4,029$3,678$3,355$3,059$2,239
10 years$3,929$3,552$3,207$2,892$2,607$1,831
11 years$3,536$3,162$2,823$2,517$2,242$1,511
12 years$3,208$2,838$2,505$2,208$1,943$1,254
13 years$2,931$2,565$2,238$1,949$1,694$1,047
14 years$2,693$2,331$2,011$1,730$1,485$878
15 years$2,488$2,130$1,816$1,543$1,308$738
16 years$2,308$1,954$1,646$1,382$1,156$623
17 years$2,150$1,799$1,498$1,242$1,025$527
18 years$2,009$1,663$1,368$1,119$911$446
19 years$1,884$1,541$1,252$1,011$812$379
20 years$1,771$1,432$1,149$916$725$322
21 years$1,669$1,334$1,057$831$649$274
22 years$1,576$1,245$974$756$582$234
23 years$1,492$1,164$899$688$522$199
24 years$1,414$1,091$832$628$469$170
25 years$1,343$1,024$770$573$422$145
26 years$1,278$962$714$524$381$124
27 years$1,217$906$663$480$343$106
28 years$1,161$853$617$440$310$91
29 years$1,109$805$574$403$280$77
30 years$1,061$760$535$370$253$66
31 years$1,015$719$498$340$228$57
32 years$973$680$465$312$207$49
33 years$933$644$434$287$187$42
34 years$896$610$406$264$169$36
35 years$861$579$379$243$153$30
36 years$827$550$355$224$139$26
37 years$796$522$332$206$126$22
38 years$767$496$311$190$114$19
39 years$739$472$291$175$103$16
40 years$712$449$273$162$94$14
41 years$687$427$256$149$85$12
42 years$663$407$240$138$77$10
43 years$641$388$225$127$70$9
44 years$619$369$212$117$64$8
45 years$598$352$199$108$58$6
46 years$579$336$187$100$52$6
47 years$560$321$175$93$48$5
48 years$542$306$165$85$43$4
49 years$525$292$155$79$39$3
50 years$509$279$146$73$36$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $521,000, adding $5,871 every year, while hoping to spend $28,649 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 64/7/29 Blend
34$521,000$521,000$521,000$521,000
35$580,198$552,585$544,509$612,501
36$608,896$549,179$532,268$631,688
37$639,561$544,647$518,657$648,978
38$672,363$538,901$503,599$667,255
39$707,489$531,853$487,015$686,621
40$745,145$523,405$468,821$707,189
41$785,554$513,457$448,931$729,082
42$828,964$501,899$427,254$752,440
43$875,645$488,619$403,694$777,418
44$925,895$473,495$378,151$804,185
45$980,039$456,400$350,522$832,933
46$1,038,437$437,197$320,699$863,870
47$1,101,482$415,744$288,567$897,232
48$1,169,607$391,890$254,007$933,275
49$1,243,288$365,473$216,897$972,288
50$1,323,047$336,325$177,107$1,014,587
51$1,409,459$304,266$134,502$1,060,524
52$1,503,156$269,108$88,940$1,110,490
53$1,604,834$230,650$40,275$1,164,915
54$1,715,255$188,680$0$1,224,277
55$1,835,262$142,976$0$1,292,713
56$1,965,778$93,301$0$1,380,733
57$2,107,822$39,407$0$1,476,561
58$2,262,512$0$0$1,580,966
59$2,431,082$0$0$1,696,260
60$2,614,885$0$0$1,825,315
61$2,815,416$0$0$1,966,149
62$3,034,315$0$0$2,119,920
63$3,273,392$0$0$2,287,903
64$3,534,636$0$0$2,471,499
65$3,820,239$0$0$2,672,255
66$4,132,613$0$0$2,891,870
67$4,474,415$0$0$3,132,219
68$4,848,569$0$0$3,395,362
69$5,258,296$0$0$3,683,571
70$5,707,143$0$0$3,999,346
71$6,199,017$0$0$4,345,443
72$6,738,219$0$0$4,724,893
73$7,329,487$0$0$5,141,038
74$7,978,039$0$0$5,597,558
75$8,689,623$0$0$6,098,504
76$9,470,570$0$0$6,648,342
77$10,327,854$0$0$7,251,989
78$11,269,156$0$0$7,914,861
79$12,302,939$0$0$8,642,926
80$13,438,524$0$0$9,442,758
81$14,686,181$0$0$10,321,597
82$16,057,221$0$0$11,287,422
83$17,564,109$0$0$12,349,021
84$19,220,574$0$0$13,516,077
85$21,041,744$0$0$14,799,258
86$23,044,284$0$0$16,210,316
87$25,246,557$0$0$17,762,201
88$27,668,791$0$0$19,469,178
89$30,333,277$0$0$21,346,967
90$33,264,571$0$0$23,412,886
91$36,489,733$0$0$25,686,018
92$40,038,575$0$0$28,187,387
93$43,943,945$0$0$30,940,159
94$48,242,039$0$0$33,969,861
95$52,972,736$0$0$37,304,617
96$58,179,979$0$0$40,975,418
97$63,912,189$0$0$45,016,411
98$70,222,715$0$0$49,465,223
99$77,170,348$0$0$54,363,313
100$84,819,863$0$0$59,756,367